§ Legal

Terms of Service

Last updated · 28 March 2026

1. Agreement to terms

These Terms of Service (“Terms”) govern your use of the Hardship Hub platform and services operated by Hardship Hub Pty Ltd (“Hardship Hub”, “we”, “us”, or “our”). By accessing or using our platform, you agree to be bound by these Terms. If you do not agree, you must not use our services.

2. Our services

Hardship Hub provides a platform for managing financial hardship through Temporary Hardship Plans (THPs). Our services include:

  • Assessing your financial situation and calculating an affordable payment plan.
  • Contacting and negotiating with your creditors on your behalf to establish arrangements.
  • Collecting your consolidated payment and distributing agreed amounts to creditors.
  • Providing you with a dashboard to monitor your plan and payments.

3. Eligibility

To use our services, you must:

  • Be at least 18 years of age.
  • Be an Australian resident.
  • Be experiencing genuine financial hardship.
  • Provide accurate and complete information in your application.
  • Authorise Hardship Hub to act on your behalf in communications with creditors.

4. Fees

4.1 Setup fee

A one-time setup fee of $49 (inc. GST) is payable when your Temporary Hardship Plan is established. This covers the assessment of your financial situation, preparation of your plan, and initial creditor communications.

4.2 Processing fee

A processing fee of $2.20 (inc. GST) per creditor per month is payable during the term of your plan. This covers ongoing management of your plan, payment distribution, and creditor communication.

4.3 Payment of fees

Fees are deducted from your consolidated payment before distribution to creditors. All fees are clearly disclosed before you confirm your plan. No hidden fees, no exit fees, no penalty charges.

5. Your obligations

By using our services, you agree to:

  • Provide truthful, accurate, and complete information about your financial situation.
  • Notify us promptly of changes to your circumstances, contact details, or employment.
  • Make your consolidated payments on time as agreed in your plan.
  • Not use our services for any fraudulent, illegal, or unauthorised purpose.
  • Cooperate with reasonable requests for additional information or documentation.

6. Limitations of our service

You acknowledge and agree that:

  • Hardship Hub is not a financial adviser, credit provider, or legal practitioner. Our service is limited to hardship plan management and creditor negotiation.
  • We cannot guarantee that any creditor will accept a hardship arrangement. Creditor acceptance is at their discretion, subject to applicable laws.
  • A Temporary Hardship Plan does not extinguish, reduce, or forgive your debts. It is a temporary arrangement for reduced payments.
  • We do not provide tax advice. Consult a qualified tax professional regarding any tax implications.
  • If you need ongoing assistance beyond a plan, we may refer you to a financial counsellor or other appropriate professional.

7. Cancellation

7.1 Cancellation by you

You may cancel your Temporary Hardship Plan at any time by contacting us. No exit fees or cancellation penalties. On cancellation, creditors are notified and accounts revert to their standard payment terms.

7.2 Cancellation by us

We may cancel your plan if you fail to make agreed payments, provide false or misleading information, or breach these Terms. We’ll provide reasonable notice where possible.

8. Intellectual property

All content, designs, trademarks, and intellectual property on the Hardship Hub platform are owned by or licensed to Hardship Hub Pty Ltd. You may not reproduce, distribute, or create derivative works without our written permission.

9. Limitation of liability

To the maximum extent permitted by law, Hardship Hub will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or other intangible losses resulting from:

  • Your use of or inability to use our services.
  • A creditor’s decision to accept or reject a hardship arrangement.
  • Any unauthorised access to or alteration of your data.
  • Any third-party conduct or content on our platform.

Nothing in these Terms excludes or limits any rights you may have under the Australian Consumer Law that cannot be excluded or limited by law.

10. Dispute resolution

If you have a dispute with Hardship Hub, contact us first so we can attempt to resolve the issue. If we’re unable to resolve it, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA).

11. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

12. Changes to these terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on our website. Continued use after the changes take effect constitutes acceptance of the revised Terms.

13. Governing law

These Terms are governed by and construed in accordance with the laws of Australia. You agree to submit to the non-exclusive jurisdiction of the courts of Australia for the resolution of any disputes arising under these Terms.

14. Contact